31 Lower Kent Ridge Road #01-02 Yusof Ishak House Singapore 119078
31 Lower Kent Ridge Road Singapore 119078 SG

DBS Bank Ltd is an international banking and financial services corporation headquartered in Marina Bay, Singapore. The company was named The Development Bank of Singapore Limited, before the current name was taken up in July 2003 to reflect its evolving function as a regional bank.

The bank was set up by the Government of Singapore in July 1968 to take control of the industrial financing activities from the Economic Development Board. Today, its branches numbering in excess of 100 can be found island-wide. DBS Bank is the biggest bank in South East Asia by assets and among the larger banks in Asia, with total assets of S$ 482 billion as at 31 Dec 2016. It has market-dominant positions in consumer banking, treasury and markets, asset management, securities brokerage, equity and debt fund-raising in Singapore and Hong Kong.

Idea With regards to Taking Personal Loans In Singapore

Never take personal loans 2 to 3 months before another significant loan. To puts it simply, no individual loans if you’re intending to buy a vehicle, house, and so on.

If you are taking a loan from the bank for a house or car, it is important to note your Debt Servicing Ratio which is a measure of the portion of your regular earnings towards the payment of your car or house loan.

Simply puts, a Debt Servicing Ratio of 50% implies that all your debt obligation can not go beyond 50% of your earnings. As a guide, many banks allow 40% Debt Servicing Ratio for a home and 30% for a car loan

Loans Get Cheaper As the Loan Gets More Specific – So when it pertains to getting loans, be as specific as you can. Don’t take a personal loan to remodel your house, not when there’s a renovation loan bundle. Do not take a personal loan to pay for your education, when there’s an education loan plan.

In order to encourage you, particular loan packages often have lower interest rates. Personal loans tend to charge interest of about 6% to 8%, whereas specific loans (renovation loans, education loans, etc).

Many individual loans are unsecured. As in, there’s no security behind them. And because the issuing banks have no security, they’ll compensate by jacking up rates of interest.

That implies you must never ever take a individual loan without understanding of precisely when and how you’ll pay it back.

Don’t utilize personal loans as alternative business loans. Do not utilize them to trade on Forex. Don’t utilize them to buy high risk equities. You ought to just take a personal loan to alleviate cash flow problems.

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